Home loans
Refinance your home loan through dosh.
**Dosh home loan reward offer has a minimum loan size of $300,000, minimum 1 year fixed, you must keep your home loan for 24 months from settlement, and eligibility criteria and T&Cs apply. The Phone Dollars reward is provided exclusively by One NZ. Use Phone Dollars towards interest-free phones, with Pay Monthly plan & min $99 deposit. Max balance of $4,999 Phone Dollars. Eligibility criteria & terms apply, see one.nz/one-wallet
.webp)
Expert advice
Review your options with expert advice
Our home loan advisers will find the right mortgage option for you. We look across competitive interest rates, loan structure, repayment options and a great cashback offer.
What we help with:
There's no upfront cost to use our switching check, book a chat, or receive a switching assessment. We're generally paid by the lender if your home loan settles with them.
Why switch
Why New Zealand homeowners switch home loan providers
Is your fixed rate coming up for renewal? The best window to start the refinance process is 2–3 months before your rate expires.
Whether refinancing results in a financial benefit depends on your individual circumstances, including interest rates, fees, and loan structure.
Switching check
See if switching is right for you
Answer 3 quick questions to get an instant indication of whether you could be ready to switch and any costs to consider. No personal details required. Applies to an owner occupied residential property.
Interest rates
Is your rate still competitive?
Check out the latest advertised rates below. We can often negotiate better home loan rates for you than those advertised. Speak to an adviser today.
Jason really helped me out getting my refinance sorted. He made the whole process easy to understand and worked hard to secure me a great deal on my interest rate.
Repayments calculator
See what your repayments could look like
Plug in a dosh rate and see what your repayments could be. Our advisers will fine-tune this with a personalised rate once you get in touch.
How it works
How it works with dosh
We keep our process simple and your adviser will be with you every step of the way.
Apply
Apply online or book a chat with one of our mortgage advisers.
Your goals
Discovery call, identifying your goals to make tailored recommendations.
Negotiate
We negotiate the best deal for you — interest rate, cashback, and Phone Dollars.
Settlement
We get your loan in place with the bank and you're on your way.
New phone!
Get a new phone from One NZ with your $1,700 Phone Dollars, whenever you need it.
.webp)
With dosh, you get more rewards on your home loan
Dosh has partnered with One NZ to bring you Phone Dollars. And when you settle a home loan through dosh (whether that's buying a home or refinancing), you'll get $1,700 Phone Dollars. Eligibility criteria and T&Cs apply.
That's in addition to a great interest rate and any cashback on your loan.
$1,700 Phone Dollars = $1,700 to put towards your next interest-free phone with One NZ.
Want to find out more? Book a free chat with a mortgage adviser or go ahead and apply online now.
Costs to consider
What does it cost to switch?
Switching home loans can deliver real financial gains but it's worth understanding the potential costs upfront.
When you refinance to a new lender, you'll need a conveyancing lawyer to manage the mortgage discharge and registration process. This typically costs around $1,300, depending on your situation and lawyer.
Some lenders offer a free legal service as part of the refinancing package — your dosh adviser will let you know what's available for your situation.
Worth knowing: cashback from the new lender can often cover solicitor fees with money to spare.
If your current bank gave you a cash contribution when you last took out or switched your home loan, they may claw some or all of it back if you leave within 3 years of receiving it.
The clawback amount typically reduces over time — the closer you are to the 3 year mark, the less you'd need to repay. Your dosh adviser will factor this into the full switching assessment.
If you're on a fixed interest rate and want to switch before the term ends, your current lender may charge a break fee. This compensates them for the interest they lose by releasing you from the contract early.
Break fees vary widely depending on how much time is left on your fixed term, how much rates have moved since you fixed, and the size of your loan. In some market conditions break fees can be minimal — in others they can be significant.
The best time to refinance without break fees is within 2–3 months of your fixed rate expiring. If you're mid-term, your dosh adviser will calculate whether switching early still makes financial sense once the break fee is factored in.
Everything you need to know before you switch
We've put together a comprehensive guide to refinancing in New Zealand — covering interest rates, cashback, break fees, and how to know if switching is right for you.
Refinancing or switching your home loan in NZ: what to consider
Customer stories
What our customers have received
- $350k home loan and cashback
- A new iPhone 17 funded by $1,700 Phone Dollars from One NZ
- $600k home loan and cashback
- A new Samsung Galaxy S25 funded by $1,700 Phone Dollars from One NZ
- $500k home loan and cashback
- A new OPPO Find X9 Pro funded by $1,700 Phone Dollars from One NZ
My wife and I would like to convey our gratitude to the team at Dosh, they made the process simple and seamless, they kept us apprised every step of the way. I dislike dealing face to face with banks as it can be an arduous and often demoralising experience. Dosh made it simple, keep up the great work guys. Thanks again.
Need advice?
Contact our lending team for personalised financial advice so you can make confident decisions when buying, refinancing, or switching your home loan.
Leave your details, and our home loan adviser will be in contact with you.
Frequently asked questions
Most refinances through dosh are completed in under three weeks. Starting 2–3 months before your fixed rate expires gives you the most comfortable runway.
A credit check is standard across all NZ lenders and typically has little effect on your overall credit profile.
Legal fees are typically $1,300–$2,000. Break fees may apply if mid-term on a fixed rate. Cashback contributions are designed to help offset these costs.
No. There is no minimum loan size to apply for a home loan or refinance through dosh. However, a minimum loan amount of $300,000 is required to be eligible for the $1,700 Phone Dollars reward. All lending applications are subject to lender approval, lending criteria, fees, terms and conditions.
You must be 18+, a NZ citizen or permanent resident, with stable income. Full eligibility criteria here.
Yes. Dosh is a licensed Financial Advice Provider (FAP), registered with the FMA to provide financial advice on home loans. Book a free no-obligation meeting with our adviser using the links above.
Get the dosh app
Join our network of thousands of clever Kiwis spending, saving and borrowing in dosh. Get dosh today.
Stay in the loop
Subscribe to our newsletter and stay up to date with the latest dosh news, feature updates and exclusive insights.
.png)
.png)